1998 Nissan Quest Insurance Rates

Trying to find better insurance rates for your Nissan Quest? Shopping for the cheapest insurance on the web can be intimidating for beginners to comparison shopping online. With so many online companies available, how can anyone effectively compare every company to locate the best pricing?

Shopping for more affordable insurance coverage can be fairly easy. Basically, every vehicle owner who buys insurance coverage should be able to save money. But consumers can benefit from knowing how insurance companies determine prices.

Don’t miss these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to cut the cost considerably. Most are applied when you get a quote, but a few must be inquired about before being credited.

  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Quest insurance with certain companies.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Resident Student – Kids in college who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application online.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.

Insurance companies who might offer these money-saving discounts are:

Check with all companies you are considering what discounts are available to you. Savings might not apply in your area.

When might I need help?

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether or not you would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Am I covered when pulling a rental trailer?
  • Am I missing any policy discounts?
  • Does my insurance cover a custom paint job?
  • If my pet gets injured in an accident are they covered?
  • Who is covered when they drive my 1998 Nissan Quest?
  • What is the minimum liability in my state?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance 101

Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability car insurance – Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, bail bonds, structural damage, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision – This pays for damage to your Quest from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, rolling your car and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages – This covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, a broken windshield, damage from flooding and hail damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Never pay more for less

When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

We covered a lot of tips how to shop for 1998 Nissan Quest insurance online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with an unexpected company.

Drivers switch companies for a number of reasons such as being labeled a high risk driver, denial of a claim, high prices and high rates after DUI convictions. Regardless of your reason for switching companies, switching companies can be easier than you think.

Additional detailed information is available at these sites: